DutchPimp, what about the households who's disposable income is less than 5% of their total income; in english that means after living expenses they are left with squat. As opposed to a household with a $1,000,000 net income, and $500,000 in net expenses: this is a clear shifting of the burden to lower income households.

In the situation described above, income mobility, the ability to move up the income ladder, will be greatly diminished as savings/credit are inproportionally fixated on the "everybody is equal" theory.

Everybody is not equal, and ill prove it. Here is how: I am not in the NBA...:jointsmile: